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$459,900

2866 THISTLE COURT N, PALM HARBOR, FL 34684

3D Tour
Active20 days on market

Beds

2

Baths

2

Sq Ft

1,578 sq ft

Year Built

1979

Lot Size

0.22 acres

Garage

2

About This Property

Attention Investors currently rented! Discover the perfect blend of comfort, style, and community in this beautifully renovated home, nestled in Palm Harbor’s premier 55+ golf community. From the moment you step inside, you’ll notice the thoughtful upgrades: fresh paint, new interior doors, elegant crown molding, and brand-new bathrooms. Luxury vinyl floors flow throughout, while abundant natural light and a rare wood-burning fireplace add warmth and charm. The updated kitchen is a true highlight, featuring granite countertops, self-closing cabinets, and new stainless steel appliances. It opens seamlessly to a cozy sitting area and the oversized Florida Room—perfect for hosting friends or simply enjoying a quiet morning coffee. Your spacious master suite is a private retreat with a den/office, walk-in closet, and spa-style bath with a step-in shower. Say goodbye to popcorn ceilings—this home has been fully modernized with today’s finishes. Major systems have been taken care of so you can move in with confidence: a newer electrical panel, on-demand water heater (2025), HVAC (2020), and a whole-house water filtration system. The roof is protected with Roof Max coating, extending its life and providing peace of mind. Add in a cost-saving deep-water well, and this home is truly turn-key. Highland Lakes is known as Tampa Bay’s best value in 55+ living. Residents enjoy free green fees on three private executive golf courses, plus pickleball, tennis, bocce, shuffleboard, 3 pools and beginner clinics to try something new. The clubhouse buzzes with fitness classes, entertainment, and social events, while the Arts & Crafts Annex features woodworking and creative studios. At Lake Tarpon Lodge, you’ll find a heated pool, fishing pier, picnic areas, and community pontoon boats. Free RV and boat storage, a secure lot, and a private boat ramp make life here even more convenient. This isn’t just a house—it’s a gateway to the lifestyle you’ve earned.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8549269
StatusActive
Year Built1979
Total Rooms3
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionHIGHLAND LAKES
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Crown Molding, Eating Space In Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringLaminate, Luxury Vinyl, Tile
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorIrrigation System, Private Mailbox
Lot Size0.22 acres (9,370 sq ft)
Road SurfaceAsphalt, Paved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Public, Sewer Connected, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$164 / Monthly
Senior CommunityYes

Financial Details

List Price$459,900
Original Price$2,400
Annual Taxes$3,281 (2024)
FinancingCash, Conventional, FHA, VA Loan
ZoningRPD-10
Parcel #312716388970000660

Directions

Head north on US-19 N. Turn right onto Alderman Rd. Turn right onto Cinnamon Hill Blvd. Turn right at the 1st cross street onto Thistle Ct N. Destination will be on the right .

Location

2866 THISTLE COURT N, PALM HARBOR, FL 34684

Listing Information

OfficeKNOWN REAL ESTATE LLC
ListedSeptember 16, 2026

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Home Price

$459,900

20% ($91,980)
6.75%

Loan Term

Principal & Interest$2,386
Property Tax (est.)$422
Insurance (est.)$150
Total Monthly$2,958
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How to Buy This Home

Multiple financing options available for this $459,900 home in PALM HARBOR.

🏛️

FHA Loan

$16,097 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$22,995 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: September 25, 2026.

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